To receive payment for damages, does the renter have to lodge a claim with Snug?

No the owner or property manager can make a claim on the BondCover certificate. The process is all online and takes just a few minutes with the appropriate information.

We analysed nearly 2 million bond records and it’s clear the large majority of renters do the right thing. More than two thirds of bonds are refunded without claim and the majority without dispute because 99% of renters (by value) do the right thing.